CLOUD BASED SECURE ELEMENT IMPLEMENTATION FOR ANDROID HOST CARD EMULATION

Abstract

Mobile banking and mobile payment have evolved tremendously over the last few decades. Currently contactless card payment based on Near Field Communication(NFC) technology emulates physical secure element embedded on mobile device by using Host based Card Emulation(HCE) technology. We provide Cloud based implementation for Android HCE, to show how HCE based mobile payment solutions can be operationally secured using cloud technologies. We present full design and implementation of the security concerns involving with the project. We also provide a comparison of implemented system attributes with Payment Card Industry Data Security Standard(PCIDSS) guidelines to ensure the standard of the proposed system.